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A mortgage loan or simply mortgage ( / ˈmɔːrɡɪdʒ / ), in civil law jurisdictions known also as a hypothec loan, is a loan used either by purchasers of real property to raise funds to buy real estate, or by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged.
Mortgage loans ( mortgage notes) are purchased from banks and other lenders, and possibly assigned to a special purpose vehicle (SPV). The purchaser or assignee assembles these loans into collections, or "pools". The purchaser or assignee securitizes the pools by issuing mortgage-backed securities.
The Federal Home Loan Banks ( FHLBanks, or FHLBank System) are 11 U.S. government-sponsored banks that provide liquidity to financial institutions to support housing finance and community investment. [citation needed] Overview. The FHLBank System was chartered by Congress in 1932, during the Great Depression.
There were many causes of the crisis, with commentators assigning different levels of blame to financial institutions, regulators, credit agencies, government housing policies, and consumers, among others. [5] Two proximate causes were the rise in subprime lending and the increase in housing speculation.
A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA).
Capri-Sun is a brand of juice concentrate –based drinks manufactured by the German company Wild and regional licensees. Rudolf Wild invented the drink in 1969 and introduced it in West Germany as Capri-Sonne. It is now sold in more than 100 countries, with licensees including Kraft Foods in the United States and Coca-Cola Europacific Partners ...
On 18 June 2008, a Congressional ethics panel started examining allegations that Democratic Senators Christopher Dodd of Connecticut (the sponsor of a major $300 billion housing rescue bill) and Kent Conrad of North Dakota received preferential loans by troubled mortgage lender Countrywide Financial Corp. [7]
